Mortgage Broker in Wallasey
Mortgage Advice in Wallasey
Book Your Free Mortgage Appointment Online
Read our 213 Reviews
Utilising our experience & knowledge as a mortgage broker in Wallasey, we have helped customers in varying situations with getting a mortgage that is suitable for their personal and financial situation.
For your FREE mortgage consultation in Wallasey call 0151 438 2295
Enquire OnlineFor your FREE mortgage consultation in Wallasey call 0151 438 2295
Utilising our experience & knowledge as a mortgage broker in Wallasey, we have helped customers in varying situations with getting a mortgage that is suitable for their personal and financial situation.
Enquire Online4.98 Rating213 Reviews
Sarah
Highly Recommend! Such a good service Jason and Jo made the whole process stress free from start to end.
4 weeks ago
Dylan
Great to work with, fast and reliable and very good communication
4 weeks ago
Paula
Brilliant service they get back to you when they say they will. So Patient and helpful.Special thanks to Jo
4 weeks ago
Stephen
10/10 above and beyond from Dan and Louise couldn’t recommend these guys enough top class service
1 month ago
Daniel
We're really happy to have chosen UKMoneyMan to be our mortgage advisor. As first-time buyers, we were originally daunted by the process, but Malcolm, Charlie, Jo and the team stepped in to make the process a lot easier to understand! We really...
1 month ago
Stacey
Great help in the process in securing my offer and would recommend to a friend Helpful with communication
1 month ago
Ronald
The Representative new his business and guided us through to completion without any major hurdles to climb
1 month ago
Julia
I cannot thank chris enough for all the hard work and support he has provided me right from my first contact, to finding me a mortgage and going through the survey with me and all the other help he has provided. Chris has gone above and beyond with...
2 months ago
Hannah
Fantastic, personalised service from beginning to end. Leo and Lyndsey were great at communicating when any issues arose, and keeping me informed of any updates.
2 months ago
Ellen
Matt and Jennifer have been wonderful. They have made a very intimidating process easy to understand and have guided me through the process every step of the way. Matt's experience will help you to secure the best mortgage whatever your situation,...
2 months ago
Michael
I have been with liverpoolmoneyman for 5 years now. Great service and advice as always. They help you every step of the way, I highly recommend them.
2 months ago
Abbie
The service was very quick and efficient and we managed to secure a great deal against a tight deadline.
2 months ago
Georgia
Leo and meghan were both very helpful and never made it feel like we was bothering then. No question was deemed a stupid question.
3 months ago
Sophie
Brilliant service, did everything we needed for our remortgage, made the process as simple as possible.
3 months ago
Mark
My experience was amazing so smooth, everyone was brilliant from the start and tom who I dealt with was second to none 👌🏻. Thank you all and I will definitely be recommending to friends
3 months ago
Noel
Very impressed they sorted everything out from start to finish thank you.
3 months ago
Allan
Used this company to help with a remortgage Extremely efficient and got me a great deal within a few days Always kept me upto date with what was happening and very professionall and helpful Highly recommended
4 months ago
Michael
Best decision going to Liverpool money man. Our advisor Matt Collinson has been incredible with his help, explaining everything clearly and making sure we understand everything. His team have also been wonderful, particularly Wendy Olsen who has...
4 months ago
Gaynor
Helpful friendly advice from everyone involved
4 months ago
John
We would recommend Liverpoolmoneyman to anyone !! Very good, very helpful, very friendly, very nice, clear information given with full explanations !!
4 months ago
- Mortgage Advice
- Why Us?
Mortgage Broker in Wallasey
Whether you are taking that first step onto the property ladder or looking for a change of scenery to move home to in Wallasey, our team are here to help! Throughout our time as an open and honest mortgage broker in Wallasey, we have helped many customers in varying mortgage situations achieve their mortgage goals.
As part of our service as a mortgage broker in Wallasey, we offer a free mortgage appointment that we offer to all our customers. This allows anyone looking to start their mortgage journey to speak to one of our expert mortgage advisors in Wallasey. Simply book yourself in through our online booking system located on the website or by giving our team a call.
Free Mortgage Appointment
Within your free mortgage appointment, your dedicated mortgage advisor in Wallasey ask you a series of questions to get an idea of your financial situation. From here, they will search through our large panel of lenders that offer both high street and specialist products to find the mortgage deal that is fitting for your situation.
In the case where you feel your situation is a little complex such as bad credit, you may be required to provide an initial deposit that is around 10%-15%. As mentioned, we have helped many customers in varying situations including those in specialist circumstances so please don’t hesitate to get in touch.
For support throughout your mortgage journey and tailored service, seek trusted mortgage advice in Wallasey. We are here to provide you with a helping hand throughout the mortgage journey and will provide you with a recommendation that will benefit your situation and mortgage goals.
All Mortgage Situations in Wallasey Considered
The role of a mortgage broker in Wallasey is to help home buyers and home movers towards obtaining a mortgage, however, some hurdles can crop up to stop this. Our team will work hard in overcoming these, however, if you are unable to get a mortgage, we will provide you with advice on ways to build up a successful application.
Contrary to this, we have over 20 years of experience helping customers get a mortgage in Wallasey and we have encountered varying mortgage situations including complex ones so please still get in touch with us even if you feel we won’t be able to help.
First Time Buyer Mortgages in Wallasey
As a first time buyer in Wallasey, you may have little to no knowledge of the homeowning and mortgage world which is why we are here to help as a friendly mortgage broker in Wallasey. Our goal is to make the mortgage process as simple and stress free as possible from that first call with us to getting the keys to your dream home.
You may be wondering how much you can borrow for a mortgage which is something our team can help answer by working out your maximum borrowing capacity. This will be done by your dedicated mortgage advisor who will carry out an affordability assessment to find this out for you. Along with this, they will sort you out with an agreement in principle usually 24 hours after your free mortgage appointment. Having this document with you is handy when backing up any offers on any properties you are interested in.
Remortgage Advice in Wallasey
We strongly recommend that you start exploring your remortgage options when you come to the of your fixed term. A remortgage involves you taking out a new mortgage product to replace your current deal. The reason why we recommend you do this is that you will avoid falling onto your lender’s standard variable rate of interest. As well as this, it could result in higher monthly mortgage payments because the rate may be higher.
As a mortgage broker in Wallasey, we have access to 1000s of remortgage deals. Our job is to find the most appropriate product in the hopes to save you time and money. We will always be transparent with you throughout, therefore, if we feel you can’t access a better rate, we will tell you this.
You can explore a variety of remortgage options with us including remortgaging for home improvements, equity release and debt consolidation.
Moving Home Advice in Wallasey
If you are looking at moving home in Wallasey, you will need to make sure both the selling and purchasing process end simultaneously. On top of this, you will need to look at the mortgage which is where we can help.
The process can be overwhelming which is understandable so we work hard in sorting out the mortgage aspects of the process while you can focus on the move itself. In the case that you are unable to port your mortgage, you will need to at a new mortgage on your new home. Take advantage of the free home movers review which you can book at a date and time that suits you.
Buy to Let Advice in Wallasey
If you are a budding landlord or an existing one looking to expand your property portfolio, we have built strong relationships and a fantastic reputation on helping many landlords with this. Book a free mortgage appointment to speak to a buy to let mortgage advisor in Wallasey today.
Sometimes, landlords are interested in looking at options like HMO, interest-only and holiday let options which we can help with.
Mortgages for Over 50’s in Wallasey
For those exploring their late life mortgage options, we have a trusted team who specialises in this and will be able to help you explore your mortgage options. You can book a free later life consultation online or by contacting our team today where you can speak to a mortgage advisor in Wallasey.
Our Simple Four-Step Process in Wallasey
Firstly, you need to get in touch with our team by either booking a free mortgage appointment online or by giving us a call. Our team will assign you a mortgage advisor in Wallasey who will have rich knowledge in your mortgage situation and what you are looking to achieve.
Your designated mortgage advisor in Wallasey will ask you a series of questions to fully understand your financial situation. From here, they can look through our vast panel of lenders to find you the mortgage product that is fitting for your personal and financial situation.
As soon as you are happy with our recommendation, we will then resume the process of sorting out your mortgage application. As well as this, you will be allocated a case manager who will keep you up to date about how your mortgage journey is going and will be available to answer any of your questions.
When your application has been submitted, you will need to wait to hear back from the mortgage lender. If your application is successful, you will need to sort out a move in date and get the keys to your dream home.
Reasons to Choose Us as Your Mortgage Broker in Wallasey
Within your free mortgage appointment, our team will get to know your financial situation and get an idea of what you are looking to achieve in order for them to provide you with the most suitable recommendation. We will carry out an affordability assessment prior to finding you a suitable deal and what you may be able to access.
We understand that everyone’s day to day lives are different which is why we provide a flexible service beyond the 9-5. Our modern book online system means you can book an appointment to speak to a mortgage advisor in Liverpool at a time and date that suits you without having to call our team.
Check out our customer review to see a true reflection of how our service has helped many customers who approach us for mortgage advice in Liverpool.
We search 1000's of mortgage deals across a large number of lenders, including:
Helping you towards mortgage success
We are here to provide a helping hand with your mortgage application. Our team will check that you have the necessary evidential documents including payslips, bank statements, P60, proof of address and ID.
Check Us Out On Social Media
Our social media channels are full of mortgage content that can keep you up to date on the current market and educate you about mortgages. Presented by the 'Moneyman' himself, Malcolm, our YouTube Channel MoneymanTV has a range of helpful videos about everything mortgages!
Get an AIP within 24 hours
Quite often, customers that contact us for mortgage advice have been turned away by their bank for reasons such as income types, credit score, property type and the bank won’t lend enough. More often than not, we are able to help with this.
Common mortgage questions
When seeking a mortgage in Wallasey, it’s essential to remember that the majority of lenders will necessitate a minimum deposit of 5% of the property’s value.
Nevertheless, based on your credit score, you may be required to furnish a more sizeable deposit, ranging from 10% to 15% or even more. If you’re uncertain about how much you can borrow for a mortgage in Widnes, our team is available to aid you. Get in touch with us today to find out more.
As a proficient mortgage broker in Wallasey, we provide thorough assistance and advice during the entire mortgage journey. Our goal is not only to secure any mortgage deal but to identify a product that corresponds to your unique financial and personal situation.
Moreover, we are committed to aiding you in preparing your mortgage application to create a favorable impression on your lender. We will ensure that all necessary documents are organized to verify your income and affordability, boosting your chances of obtaining mortgage approval.
When you book a free mortgage consultation with our team, you should plan on spending between 30 minutes to an hour conversing with one of our skilled mortgage advisors based in Wallasey.
In this consultation, your assigned advisor will ask questions about your financial and personal situation to obtain a complete understanding of your mortgage objectives. This will enable us to identify the most suitable mortgage options that fulfill your specific needs.
Following your consultation, your mortgage advisor in Wallasey will examine your information and perform a meticulous search to locate the ideal mortgage product that aligns with your unique requirements.
An Agreement in Principle (AIP) is a vital document that demonstrates a lender’s readiness to grant you a mortgage based on your income and affordability evidence.
Securing an AIP is a crucial step in the mortgage application process. It enables you to make an offer on a property and may facilitate negotiations with the seller on the purchase price. For instance, if two potential buyers approach a seller, one with an AIP and the other without, the seller is more inclined to choose the buyer with the AIP. This is because the buyer with the AIP has already received pre-approval and can proceed more swiftly through the mortgage process.
Typically, AIPs remain valid for 30-90 days and can be extended upon expiration. To obtain an AIP, you can enlist the aid of a mortgage broker in Wallasey, like our firm. We can usually arrange an AIP within 24 hours of your mortgage appointment, ensuring a smooth and stress-free mortgage journey.
As a mortgage broker in Wallasey who has a reputation for helping numerous clients secure second or multiple mortgages for diverse purposes, such as buy-to-lets, let-to-buys, holiday lets, and others.
Typically, obtaining an additional mortgage requires a sizable deposit, a robust credit score, and the financial means to cover two substantial monthly payments. However, for buy-to-let or let-to-buy mortgages in Wallasey, having a tenant can potentially cover the second payment.
To establish your suitability and ensure a hassle-free application process, we strongly advise consulting with a mortgage advisor in Wallasey before pursuing another mortgage.
Securing a mortgage with a low credit score can prove to be difficult, but certain lenders offer specialised products designed for those in this situation. It is crucial to bear in mind, however, that such products may require a higher deposit than traditional mortgages, usually ranging from 10% to 15% of the property’s worth. If you need assistance in obtaining a mortgage in Wallasey despite having a poor credit score, our team is prepared to provide the requisite aid.
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